Website Terms and Conditions (Article No. 283)

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1 Website Terms and Conditions (Article No. 283) Updated: 29/01/ Introduction 1.1. You can enter into betting transactions: 1. through the My Turn to Win Web sites including those provided on mobile phones and tablets, that we own (the "Website"); 2. by telephone (the "Telephone Service") (for which, in respect of bets placed on both the Sportsbook and the Exchange, the terms and conditions are contained in the Rules); 3. via text message (the "Text Betting Service"); or 4. in our shops (for which the terms and conditions are contained in the Rules) Please read these Terms and Conditions carefully before you start to use any section of the Website. By using any section of the Website or by opening an account with the relevant MY Turn to Win company (set out in clause 2.1) through the Website, you agree to be bound by: 1. these Terms and Conditions; 2. the 'Rules' when betting 3. the Privacy Policy 1.3. Your continued use of the Website will constitute acceptance of the Terms of Use The Terms of Use constitute your agreement with the relevant My Turn to Win entity as set out in clause In the event that there is any conflict or inconsistency between the terms and conditions of the Terms of Use, the order of precedence shall be as set out in clause You acknowledge that there is a risk of losing money when gambling through the Website and you are fully responsible for any such loss. 2. Parties 2.1. The Terms of Use shall be agreed between you and the following entity in the MY Turn to Win depending upon which section of the Website you are using: 1. For persons betting on the 'Sportsbook' section of the Website, it is MY Turn To Win a limited partnership registered in Gibraltar with registered number 44, whose registered office is 57/63 Line Wall Road, Gibraltar; and/or 2. For persons betting on any part of the Website not referred to in clause 2.1(a) (including but not limited to the 'Poker', 'Casino', 'Games', 'Bingo', 'Lottos', 'Exchange', 'Live Casino', 'Virtuals' and 'Vegas' sections of the Website) it is My Turn to Win, a company registered in Gibraltar with registered company number and whose registered office is 57/63 Line Wall Road, Gibraltar For the avoidance of doubt, if you use different sections of the Website, you may be entering into separate Terms of Use with each of the my turn to win entities listed in clause In these Terms of Use, the terms "My Turn to Win, "we", "us", or "our", refer to the relevant My Turn to Win entity listed in clause 2.1.

2 2.4. Gambling activity carried out via this website is licensed and regulated by the following bodies: 1. In the case of gambling activity by persons located in Great Britain, it is the British Gambling Commission, under licence no. 1611; and 2. In the case of gambling activity by persons located outside of Great Britain, it is the Gambling Division of the Ministry of Education, Financial Services, Gaming, Telecommunications and Justice of the Government of Gibraltar, pursuant to the following licences: 1. Licence number 0044 in respect of betting on the ' Lucky Grids ' section of the Website; and 2. Licence number 0012 in respect of betting on any part of the Website not referred to in clause 2.1(a) (including but not limited to the 'Poker', 'Casino', 'Games', 'Bingo', 'Lottos', 'Exchange', 'Live Casino', 'Virtuals' and 'Vegas' sections of the Website). 3. Changing the Terms of Use 3.1. We reserve the right to make changes to the Terms of Use at any time. We will ensure that any significant changes to the Terms of Use will be notified to you by an appropriate method (for example, by or via a notice on the Website) before such changes come into effect. It is your responsibility to ensure that you agree with any significant changes made to the Terms of Use and your continued use of the Website will be deemed to be your acceptance of any changes that we may make. 4. Access to and use of the Website 4.1. Access to our Website is permitted on a temporary basis, and we reserve the right to withdraw, suspend or amend any aspect or feature of the Website without notice. If the need arises, we may suspend access to parts of our Website or the entire Website for maintenance purposes. We will not be liable if, for any reason, our Website is unavailable at any time or for any period We may, in our absolute discretion, change the content (including betting products or elements of the betting product) of our Website at any time (provided such changes do not affect games and/or bets already in progress) You shall use the Website for your own personal and non-commercial use only and shall not be allowed to provide access or reproduce the Website or any part of it in any form whatsoever without our express consent, including creating links to it You shall not use the Website for any purpose which is or is likely to be considered to be defamatory, abusive, obscene, unlawful, of a racist, sexist or other discriminatory nature, or which could cause offence You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website You are solely responsible for making all arrangements necessary for you to have access to the Website. We will not be liable for any losses caused to you by the internet or any telecommunications service provider which you have engaged in order to access the Website We cannot guarantee that our Website will be compatible with any hardware or software that may be used by visitors to the Website If you want to report an error or have any questions please contact the Customer Support Please note that any calls to our Customer Support Team may be monitored or recorded for training and quality management purposes and to assist us in quick and effective resolution of queries. 5. Registration and Account Security 5.1. By opening an account with us and/or by using the Website you warrant that you: 1. are at least 18 years of age and above the legal age for gambling in the jurisdiction you are a resident; 2. are legally capable of entering into binding contracts; 3. have not excluded yourself from gambling and neither we nor any other operator has excluded you from gambling (see clause 17 - self exclusion); 4. are a resident in an area that permits gambling to occur; and 5. are not restricted from opening an account under the 'Restricted Territories' section of the Website It is a condition of our acceptance of bets from you or your placing bets on the Exchange that, and by offering to place a bet with us or making or taking an offer on the Exchange you warrant that: 1. you are not prohibited from entering into the bet by any term of your contract of employment or any rule of a sport governing body which applies to you;

3 2. you are not aware of any circumstances which would make the placing of the bet a breach of a rule on betting applied by a sport governing body; and 3. where the bet is placed on the outcome of a race, competition or other event or process or on the likelihood of anything occurring or not occurring, you do not know the outcome of the event In the event we discover you are under 18 or the legal age for gambling in the jurisdiction you are resident your stake will be returned to you and we shall not be obliged to pay any winnings which might otherwise have been payable in respect of the bet In the event of any of the other warranties set out in clause 5.1 or 5.2 proving to be false your stake will be forfeited and we shall not be obliged to pay any winnings which might otherwise have been payable in respect of the bet. We may also report the matter to the police, parents and the appropriate regulatory authority Gambling whilst under the age of 18 (or the legal age for gambling in other jurisdictions where relevant) is a criminal offence and we take our responsibilities to prevent access by under 18s very seriously. Electronic age verification checks are carried out and whilst we aim to make the process as seamless and unobtrusive as possible it may be that further information will have to be obtained direct from you We may need to verify your age and to do so we will forward your name, address and date of birth to a third party to electronically verify these details. A record of the search (but not that it was carried out by Ladbrokes) may be retained and this information may be used in the future by other businesses who use the service for the same purpose and with whom you do business. The third party that we use is fully aware of its obligations under the Data Protection Act and will always act in accordance with its provisions If we are unable to verify your age we may restrict you from withdrawing funds from your account and/or prevent access to sections or the entire Website. 6. Restricted Territories 6.1. We have restrictions in regards to opening accounts and taking bets from residents outside of the United Kingdom. Please refer to the Restricted terrottories section of the Website We constantly review our ability to offer gambling facilities within territories that are not already included in our Restricted Territories section of the Website. When we are no longer able to offer gambling facilities in a specific territory (whether for legal or regulatory reasons or otherwise) we will update the Restricted Territories section of the Website accordingly When a new territory is added to the Restricted Territories section of the Website, all accounts relating to customers residing in that territory will be closed with immediate effect. Should a customer residing in a newly restricted territory have placed any bets in relation to events which have not yet taken place at the time at which the territory became a restricted territory, we reserve the right to treat such bets as void, with the stake being returned to the customer. We also reserve the right to void any bets in relation to events which have not yet taken place at the time at which the territory became a restricted territory, but which are part of a cumulative and/or multiple bet. Any outstanding account balance will be paid to you in accordance with section 8 'Depositing and Withdrawing funds' of these Terms and Conditions and where this is not possible by a method of payment determined by us The availability of the Website does not constitute an offer, solicitation or invitation by us for the use of betting, gaming or other services in any jurisdictions in which such activities are prohibited by law. Under no circumstances will we be liable for any breach of state or country law that may occur as a result of your usage of the Website. 7. Opening and Maintaining your Account 7.1. Customers may open only one account. Should we identify any customer with more than one account we reserve the right to close such accounts You must ensure that the details provided when opening an account (including but not limited to your address (meaning your usual place of residence), telephone number and address) are accurate and kept up to date. You can access and amend your own individual account information on the Website (including via your mobile or tablet device), the MY TURN TO WIN mobile and/or tablet application, the Telephone Service When opening an account you are requested to choose your own username and password. You should ensure that these details are kept private, as you are responsible for all bets placed on your account, where the correct security information has been provided. If you lose, or forget, your username and/or password, or if you believe that a third party is aware of them, you should contact us immediately so that new security details can be allocated to you. These new details will be ed to you If another person accesses your account you are solely responsible for all their actions whether or not their access was authorised by you and you hereby indemnify us and hold us harmless against all costs, claims, expenses and damages arising in connection with the use of or access to your account by any third party.

4 7.5. The minimum deposit amount is dependent on the type of payment method you choose (see the payments section of the Website) and you can only bet up to the amount available in your account. We reserve the right to change the forms of payment (for example, debit and credit cards) that we may accept from time to time. Interest is not paid on monies held in your account From time to time we offer bet incentives for new accounts. You are not eligible to receive new account offers if you are one of our existing customers We are required by our British Gambling Commission licence to inform customers about what happens to funds which we hold on account for you, and the extent to which funds are protected in the event of insolvency We hold active customer balances in a trust account, which is separate from our corporate funds and means that steps have been taken to protect customer funds in such a way that they would not, in the event of insolvency, form part of our assets. This meets the British Gambling Commission s requirements for the segregation of customer funds at the level: medium protection. 8. Depositing and Withdrawing Funds 8.1. We do not charge for deposits made by bank transfer, debit or credit cards although you should note that some credit card companies categorise betting transactions as 'cash' and may levy a fixed and/or interest charge from the date of payment We do not charge you for withdrawals to debit or credit cards or via bank transfer to bank accounts Your account should not be used as a banking facility and deposits should only be made with a view to using funds to place bets. Should you make repeated deposits and withdrawals without commensurate bets being placed, we reserve the right to pass on to your accounts, without prior notice, any bank charges we have incurred before closing the account Account facilities are provided to you solely to enable you to place bets or participate in poker or casino games. If you, for whatever reason, appear to be depositing or withdrawing money without genuine play, you will be liable to have your account suspended and the circumstances investigated. This may result in a report to the necessary authorities (see our responsibilities under the anti-money laundering regulations) and/or the account being closed Withdrawals via bank transfer to international accounts and all Western Union payments (deposits and withdrawals) attract bank/western Union charges that may vary according to the amount of money transferred and are met by you We, in our absolute discretion and without giving reason, reserve the right to refuse to accept any type of payment presented to us irrespective of whether we have previously accepted such payment type from you or would usually accept that payment type from any customer. 9. Payment of Winnings 9.1. Returns due on bets placed will be added to your current deposit balance once the bet (or, in the case of the Exchange, the market) has been settled. This balance will remain in your account unless you submit a request that part, or all, of the outstanding balance is returned to you. If your balance is zero, you will be required to transfer more funds before you are able to place any bets. Your processed funds will leave us at the close of business each bank working day and will be processed as follows: 1. Debit cards: funds will be paid back to your registered card and will be subject to the clearance period (normally three working days but it can be more) of the issuing bank or building society; 2. Visa credit cards: will be paid back to your registered card, up to a maximum of 5,000 per day. If you wish to withdraw more than 5,000 in any day you should contact our 'Customer Support; 3. MasterCard credit cards: we are not able to pay funds back to Mastercard credit cards. Withdrawals will, where this is possible, automatically be paid to the registered bank account associated with your account via internet bank transfer. For additional payment methods see the Payments the Website For all the above methods if you wish to withdraw in excess of 5,000 per day you should contact our Customer Support 9.3. You are responsible for reporting your winnings and losses, if such reporting is required by your local law or tax or other authorities In accordance with section 17(2) of the Race Betting and Lottery Act, since July 2012, a 5% customer levy on stakes applies to all sports betting in Germany (both online and offline). This means that 5% will be deducted from the payout on all winning bets before the net winnings are credited to customers' accounts. The tax covers anyone resident in Germany at the time of placing the bet. In the case of losing bets, MY Turn To Win will continue to cover the full amount of tax. Online casino games are not affected by the change.

5 10. Placing a Bet You must exercise your own judgement in choosing to place a bet or to make an offer. You acknowledge that, in placing your bet or making an offer, you are not relying on any statement of any of our employees relating to the subject matter of the bet. We reserve the right to refuse part or all of a bet or an offer You agree to fulfil any payment obligations on you set out in these terms and conditions in accordance with the Terms of Use. You agree you are solely responsible for any bets placed on your account with us Once you have placed your bet and you have received confirmation that your bet has been accepted, it is too late to cancel the bet (unless we, in our absolute discretion, provide permission to cancel or change the bet) When betting through the Website you will know that your bet has been processed when after clicking OK to process your bet, your betting slip reappears with confirmation that your bet has been placed. Your betting slip will also have a receipt number individual to that slip, which confirms that the bet has been accepted Should you have any concerns that your bet has not been processed correctly go to the 'Your Account' button at the top of the screen and enter the date when you placed your bet. Details of all bets processed will appear on your screen. Only bets that appear on your 'Account History' screen are valid transactions It is your responsibility to ensure that the details of any transaction which you place are correct. For bets placed through the Website, you can check bets using the 'Account History' screen Bets placed by credit card or debit card do not become valid until we have received payment. If payment has not been received before the event commences, then that bet is automatically void Where bets are taken after the start of an event, bets will stand if nothing has happened which would significantly alter the chances of the selection winning or losing (with the exception of in play bets which may be placed during an event). For example, we would allow a football bet to stand (win or lose) if there had been no goal or sending off in the game. All bets placed after the result of an event is known will be void win or lose Clauses 10.3 to 10.5 and 10.8 shall not apply to any bet placed on the Exchange (but instead the details on how to place a bet on the Exchange, as well as other related Terms and Conditions, are set out at clause 12). 11. Placing a Bet through the Text Betting Service The Terms of Use apply to the Text Betting Service and your use of the Text Betting Service constitutes acceptance of the Terms of Use You may only place a bet via the Text Betting Service through a mobile phone number which has been registered on your individual account with us. You can add your mobile number to your account via the Website, the Telephone Service or in our shops. You cannot open a new account with us through the Text Betting Service When we receive an offer to place a bet from a mobile number registered on your account, we may (subject to the Terms of Use, any limits applicable to your account and/or otherwise at our discretion) accept the bet. We accept no liability in connection with bets which do not arrive to us in time or are delayed, whether due to an occurrence within or outside of our control When placing a bet through the Text Betting Service you will know that your bet has been accepted when we send you a text message confirming that your bet has been placed. Your bet will be valid as soon as we send you such confirmation (which shall be conclusive proof that your bet has been accepted), even if you have not received the confirmation (because, for example, your mobile phone is switched off or not connected to the network or for any other reason within or outside our control). Our (or our telecom provider's) record of transmission of any such confirmation text message will constitute conclusive proof that the relevant bet has been placed Once we have sent you a text message confirming that your bet has been accepted, and subject to clause 11.6 below, you cannot cancel the bet (unless we, in our absolute discretion, agree otherwise) If you believe our confirmation of your bet is incorrect, you must immediately reply via text message or contact the Customer Support Team, otherwise your bet will stand Should you have any concerns that your bet has not been processed correctly and for other terms applicable to the placing of bets, please refer to clause 10 of these Terms and Conditions We reserve the right (at our discretion) to restrict your use of the Text Betting Service or limit the amount or type of any bets you may place via the Text Betting Service By using the Text Betting Service, you automatically opt-in to receive text message communications from us, in

6 accordance with our Privacy Policy, including marketing communications in relation to the Text Betting Service and bet confirmations. However, you may unsubscribe from receiving marketing communications in relation to the Text Betting Service at any time by texting 'STOP' to (RoI: 51520) Your access to, or betting via, the Text Betting Service may be illegal in certain territories, and we do not intend for the Text Betting Service to be accessed or used in those territories. You undertake to comply with all applicable laws in relation to betting in the location where you offer to place a bet We shall not be liable for any loss incurred as a result of misuse or unauthorised use of your mobile phone number, whether by you or a third party and whether fraudulent or not, except in the event of negligence on our part. Furthermore, we are not responsible for any problems or technical malfunction of any telephone network or lines on account of technical problems or traffic congestion on the telephone network, including any injury or damage to your or any other person's mobile phone or other device related to your use of the Text Betting Service. 12. Placing a Bet on the Exchange To enter into a bet with another customer or customers, you must first make an offer in respect of any event or market listed in the Exchange stating the terms on which you wish to transact, e.g. event, selection, outcome, stake and minimum price they are willing to accept In consideration of our acting as a facilitator for your transacting with one another we charge a commission. Please refer to Commission contained in thenformation regarding calculation of commission. We reserve the right to amend our commission policy from time to time You will only be permitted to make offers using funds up to the amount of the current available balance in your Exchange wallet count The minimum offer you may make on the Exchange is 0.50 (or currency equivalent). We may increase or decrease this minimum at any time When you make an offer on the Exchange, we will act as stakeholder and as your agent in respect of the funds constituting the offer The Exchange will attempt to find opposing offers, made by other customers of the Exchange, that have already been entered into the Exchange, i.e. those which express an opposing view at equivalent terms or better, which have not yet been matched Once the Exchange has found such an opposing unmatched offer, it will automatically match your and the other customer or customers' offers and you will have entered into a contract with that customer or those customers on the terms stated in their opposing offers. This is a binding agreement from which it will not be possible for you to choose to exit and you will not be able to amend the terms at any time You may only make an offer on events for which there is a market open on the Exchange For offers made after an event has commenced but before the event has completed and betting on the event has been suspended ("In Running"), there is a built-in delay for processing offers. Depending on the sport this could be up to 10 seconds. You must wait for confirmation after the delay that your offer has been placed When you make an offer into the Exchange, you grant to Ladbrokes an irrevocable authority: 1. to accept, on your behalf, any other customer's previously recorded corresponding and opposing offer and thus to create a matched offer or contract between you and another customer or customers; or 2. failing (a), to display the terms of the your offer for acceptance by other customers until the offer is accepted by (an) other customer(s) or until the offer expires MY TURN TO WIN will provide you with an order number in respect of each of your placed offers Once an offer has been submitted, MY TURN TO WIN will instruct ourtrustee Company Limited to provide a funds-clearance service for the transaction in the following way: 1. immediately upon your submitting an offer into the Exchange, My Turn to win will instruct My Turn To Win Limited to debit an amount equal to your bet from your account in accordance with the terms of the offer. The total amount being deducted will be notified to you before you finally place the offer. 2. Ladbrokes Trustee Company Limited shall hold the relevant funds so as to ensure that the funds are not used for any other purpose until the offer is unmatched and has expired at the stated time for the event, is cancelled or voided or until the offer is matched and the undisputed outcome of the contract between you and the other customer or customers is known. 3. if your offer is matched or partially matched then, upon settlement of the contract in accordance with the Exchange Rules and any relevant market information, we will distribute any winnings according to the applicable

7 rules of the contract agreed between you and the other customer or customers, less our commission. 4. in the event that your offer is not matched by the Exchange, it will either expire at the actual start time of the event on which the offer is made or, if you so specified, be carried over to be offered in the In Running market. Upon expiry, if your offer is not matched, or is deemed void, an amount equal to your offer will be returned to your account My Turn to Win bears no responsibility for monitoring and managing the status of your offers. Offers may not get matched, may get partially matched or get fully matched. You are responsible for monitoring how much, if any, of each of your offer is matched Programs may be used by some customers in order to automatically make offers into the Exchange and enter into binding contracts with other customers based on certain specifications and variables set within the program ("Bots"). Customers, whether they use Bots or not to make offers on the Exchange, should be aware that any offer could be susceptible to exploitation by other customers. 13. Cancelling an offer on the Exchange 13.1 We will use all reasonable endeavours to meet offer cancellation requests No cancellation of an offer will be effective until the original offer is removed from the Exchange and no longer displayed on the Exchange tab As an offer is available to other customers until cancelled, there is the possibility that an offer may be accepted and matched in the Exchange before the cancellation request can be completed. We bear no responsibility for delays which may arise between the time a cancellation order is initiated and the time it is actually cancelled We reserve the right to close the Exchange at any time, in order to preserve orderly markets or for any other reason deemed fit by us We reserve the right to (i) prevent your offer being entered onto the Exchange, (ii) cancel any outstanding offers or (iii) void any outstanding or settled contracts between customers at our absolute discretion and with no obligation to provide any reasons for so doing Without restricting our ability to rely on other remedies that may be available to us, we may cancel any of your unmatched offers using the Exchange or void any of your bets at our absolute discretion if: 1. we suspect that you are acting other than on your own behalf or otherwise in concert with others or engaging in illegal or fraudulent activity while interacting with the Exchange; 2. we suspect that you are breaching any of these Terms and Conditions; 3. we suspect that you are acting in a manner that is detrimental to the conduct of our business; 4. we suspect that it is illegal for you to interact with the Exchange in any way; 5. we are unable to verify registered address or contact telephone number; or 6. we are required to do so by law All void bets and cancelled offers will have the relevant sum offered or staked refunded. 14. Maximum Payout The maximum amount that we shall be obliged to pay to you in respect of any one bet or spin shall be limited to the following amounts: 1. 'Sportsbook' betting through the Website is set out in the Rules; 2. 'Poker' betting through the Website is 10,000; 3. 'Casino' betting through the Website is 25,000; 4. 'Bingo' betting through the Website is 25,000; 5. 'Live Casino' betting through the Website is 25,000; 6. 'Virtuals' betting through the Website is 25,000; 7. 'Games' betting through the Website is 25,000; and 8. 'Vegas' betting through the Website is 25,000. The above figures do not include any potential Progressive Jackpot winnings. Should you win the jackpot at Ladbrokes Casino, you will receive the amount that is displayed in Chips within the progressive game that you are playing at the time of your win. There is no limit on sums that may be won by bets placed on the Exchange.

8 14.2. You acknowledge and agree that for certain products your approved staking level may mean that you have the opportunity to win more than the amounts set out in Clause 14.1 above. Even where your approved staking level may give you the opportunity to win a higher amount, you agree that MY Turn to Win shall only be obliged to pay to you the maximum amounts specified in Clause 14.1 above. 15. Cash Out Cash Out is a function which allows you to take a return on your bet prior to the market(s) in which you placed the bet closing My Turn to Win Cash Out offer is available to customers via My Turn to Win website, mobile website and The Grid customers betting in shop and cashing out via the mobile site; on selected Sports markets, on single Sportsbook bets and Sportsbook single line multiple bets (i.e. accumulators) comprised solely of selections from markets where the Cash Out functionality is available. It is not available for full cover bets (e.g. trixies, Lucky 15s, Heinz etc) nor is it available on all My Turn to Winmarkets or the Exchange In order to avoid the abuse of promotions offered by My Turn to Win from time to time, Cash Out is not available in respect of free bets, bets placed using non-withdrawable funds or any bets placed which would qualify customers to receive a free bet, bonus or promotion Whilst we will endeavour to make the Cash Out functionality available wherever possible, the Cash Out service may be unavailable from time to time and My Turn to Win provides no guarantee as to its availability and shall not be liable for any losses flowing from the unavailability of the Cash Out function. We therefore recommend that you do not place bets with the intention of using the Cash Out function as a way of mitigating the liability of your bet. All bets will stand regardless of the availability of the Cash Out feature Following any request to Cash Out your bet, My Turn to Win will notify you whether such request was successful. Cash Out requests are not guaranteed and may be unsuccessful if for example there is a change in the market odds or the market suspends prior to the Cash Out request being processed In the event your Cash Out request is unsuccessful, a message will be shown which gives the reason why and a new Cash Out offer may be offered to you In the event your Cash Out request is successful, a success message will be displayed and your bet will be settled immediately and the Cash Out value returned to your account. Following a successful request to Cash out, the Cash Out value returned to your account will be the higher of i) the amount shown on the Cash Out button or ii) in circumstances where the Cash Out Value increases during the period between your initial request to use the Cash Out functionality and your subsequent Cash Out confirmation, the increased sum. The Cash Out value returned is inclusive of the original stake When customers successfully Cash Out this shall constitute a settlement of the original bet and any subsequent events will have no impact on the amount returned to your account. All Cash Out transactions remain subject to My Turn to Win standard settlement and bet acceptance rules set out in these Terms and Conditions In the unlikely scenario that a Cash Out value (or a price relating to a Cash Out value) has been incorrectly offered, My Turn to Win reserves the right to take corrective measures to rectify such errors, including, where applicable, settling the Cash Out request for an amount equivalent to the Cash Out value which would have been available in the absence of such error We reserve the right to amend, suspend or remove Cash Out availability at any time on any market or to any customer. 16. Account Correction Where, in respect of any Product or an event within a Product, we make an error (whether human or otherwise), we will be entitled to declare the transaction void and withhold any payments. If we wrongly pay an amount to you or we pay you more than the amount to which you are properly entitled you agree to repay to us immediately upon request from us the amount which has been wrongly paid or overpaid to you. We have the authority to adjust your account to reflect the true outcome and rectify the error. An example of such an error might be where a price is incorrect, a bet is late, a failure occurs in one of our systems or where we enter a result of an event incorrectly. 17. Self-Exclusion We offer a self-exclusion facility to help you if you feel that your gambling is out of control and you want our assistance to help stop. At your request, we will prevent you from using your account for a specific period, as determined by you, of between 6 months and 5 years and we will take reasonable steps to prevent the opening of new accounts.

9 17.2. Accounts that have been self-excluded are unable to be reactivated under any circumstances until the expiry of the self-excluded period. At the end of the period, you may recommence betting by phoning our 'Customer Support Team' ( is not accepted) after a 24 hour waiting period has lapsed Our self-exclusion involves a joint commitment from us and you. We will take reasonable steps to prevent you reopening your account or opening new accounts. However, during the period of your exclusion, you must not attempt to re-open your account or to try and open new accounts Having implemented reasonable checks and safeguards to ensure that whilst you are self excluded you cannot open an account we cannot be held liable to you or any third party if you are able to continue to gamble on the Website, using the Telephone Service, in our shops or you continue to gamble on any third party's website or premises To use our self-exclusion facility please call us or send an to with details of all the accounts you have and the period that you wish the self-exclusion to apply. If a specific period is not given, we will exclude you for the minimum period of 6 months. 18. Errors in relation to Sportsbook markets 18.1 This clause relates to errors made in Sportsbook markets. Any errors made in relation to Exchange markets are dealt with under clause We make every effort to ensure that we do not make errors in accepting bets. However, if as a result of human error or system problems a bet is accepted at a price (which includes the odds, handicap provisions and other terms or details of the bet) that is either: 1. materially different from those available in the general market at the time the bet was made; or 2. clearly incorrect given the chance of the event occurring at the time the bet was made, then we will pay winnings at the correct price To establish the correct price we will consider prices available in the general market at the time the bet was made, including the prices offered by Ladbrokes, William Hill and Coral. Examples of circumstances where this would apply are: 1. the price is recorded as when the price on offer in the general market is 10-1; or 2. the margins for handicap betting have been reversed If a bet is accepted in error by us on an event or outcome for which no Ladbrokes prices are available the bet will be void and your stake returned. 19. Errors in relation to Exchange markets This clause relates to errors made on Exchange markets. Any errors made in relation to Sportsbook markets are subject to clause If my turn to win becomes aware of any issue or error in respect of any market on the Exchange where such issue or error, in its absolute discretion, may affect the operation or integrity of that market, my turn to win reserves the right to void any bets matched on the Exchange that have not yet been settled by the Exchange in which case it will, if appropriate, return the relevant sums to your account Following the settlement of any market on the Exchange, my turn to win reserves the right to correct errors of settlement. If, following correction of a mis-settlement, the balance on your account becomes negative, you must immediately deposit sufficient funds into your account to increase the balance to an amount at least equal to zero my turn to win reserves the right to recover from you any sums paid out in error or which become the subject of a disputed contract. Any sums that become subject of a disputed bet will be placed in a holding account pending resolution of the dispute in accordance with our Disputes Policy If an Exchange market is incorrectly settled (whether or not as a consequence of our mistake) and this causes your Exchange wallet to have a negative balance, we reserve the right to transfer funds from any other of your wallets or accounts held with us to return the balance of your Exchange wallet to zero. 20. Termination of Account We reserve the right to close your account at any time for any reason. If we terminate your account for any reason the provisions set out in Clause 21 shall apply You may close your account at any time. You should indicate your desire to close your account in writing, via e- mail, fax or letter (using our contact us section of the Website). In this case, you shall be sent any balance remaining in

10 your account by a method of payment determined by us. If you have placed any bets in relation to events which have not yet taken place at the time of you closing your account such bets shall still stand, and if such bets subsequently win, the corresponding sums shall be sent to you once the outcome of the bet is known If you do not use your account to carry out any betting activity for a period of 12 consecutive months, such account shall be deemed to be inactive ("Inactive Account") Any Inactive Account will be charged an administration fee (the "Inactive Account Fee") in an amount of 2 (or currency equivalent) or 5% of the balance of the account on the date the account becomes an Inactive Account (whichever amount is greater). Subject to clause 20.5, the Inactive Account Fee shall be deducted from the Inactive Account at the end of the day the account becomes an Inactive Account and on the first day of every following calendar month The Inactive Account Fee will be deducted until the earlier of: (a) the account balance being reduced to zero; or (b) the account being reactivated by you using the account to carry out betting activity. In each situation the Inactive Account Fee shall cease to be deducted We reserve the right to close any Inactive Account whose balance has been reduced to zero for a consecutive period of 6 months. 21. Consequences of Termination Subject to this clause 20, you agree that we shall not be liable to you for any termination of your account or your use of the Website or the Text Betting Service Your sole remedy in the event of termination of your account shall be the re-imbursement of any undisputed account balance you may then have and we shall have no further liability to you whatsoever. Where we terminate your account due to you breaching any of these Terms and Conditions or where the territory in which you reside becomes a Restricted Territory (in accordance with Clause 6) and you have placed any bets in relation to events which have not yet taken place at the time of the termination of your account, we reserve the right to treat such bets as void, with the stake being returned to you. We also reserve the right to void any bets in relation to events which have not yet taken place at the time of the termination of your account, but which are part of a cumulative and/or multiple bet. Any outstanding account balance will be paid to you in accordance with section 8 'Depositing and Withdrawing funds' of these Terms and Conditions and where this is not possible by a method of payment determined by us Upon termination of your account, you agree and acknowledge that your rights to use the Website or the Text Betting Service shall immediately terminate and you will remove any software provided to you or downloaded from the Website. 22. Information we collect about you It is your responsibility to ensure that your personal account details and personal information is kept up to date. We reserve the right to suspend or terminate your account if this information, which includes your username and security questions, is deemed to be offensive or inappropriate We process information about you in accordance with our Privacy Policy Our privacy policy forms part of these Terms of Use and contains details on the types of information we collect and what we do with that information We are entitled to share the information we hold on you which includes personal data and betting history with the regulator, sporting bodies and other bodies, including the police, in order to investigate fraud, money laundering or sports integrity issues and to comply with our regulatory duties. 23. No Warranty We will endeavour to provide the Website and the Text Betting Service using our reasonable skill and care. We make no further warranty or representation, whether express or implied, in relation to the Website. All implied warranties or conditions of satisfactory quality, fitness for purpose, completeness or accuracy are hereby excluded to the fullest extent permitted by law We make no warranty that the Website or the Text Betting Service will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the materials or as to results or the accuracy of any information obtained by you through the Website In the event of systems or communications errors relating to the generation of random numbers, bet settlement or other elements of the betting product, we will not be liable to you as a result of any such errors and we reserve the right to void all bets on the draws in question.

11 23.4. In rare circumstances the result displayed within a game may be incorrect. In the event of a dispute, the result recorded on the game server will stand as the correct outcome. Nothing in this clause shall affect our rights as set out in clause Intellectual Property Rights You acknowledge and agree that all intellectual property rights in our Website, its contents (including any software) and in the content published on it shall remain at all times vested in us or our licensors. These intellectual property rights include, without limitation, copyright, trade marks, the underlying software, the design, graphics, layout, look and feel and structure of our Website, database rights, design rights, domain names and rights to goodwill and/or to sue for passing off. You are permitted to use this material and content only as expressly authorised by us or our licensors You acknowledge and agree that the material and content contained within our Website is made available for your personal non-commercial use only and that you may only download such material and content onto only one computer hard drive for such purpose. Any other use of such material and content is strictly prohibited. You agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit, tamper with or create derivative works of such material and content. 25. Downloads For certain of our betting products and services offered through our Website you may need to download software in order to use them and we will licence the software to you (or sub-license to you, to the extent the software is owned by a third party). The terms upon which you may download and use any such software will be made available to you at the time of download and must be accepted by you prior to your use of that software Downloads may involve placing files and installation software on the hard drive of your computer. Convenient locations for storing the software may be suggested during the download and installation procedure but it is your responsibility to store the software in accordance with the exact nature and set-up of your individual computer. We shall not be responsible for incorrect storage of the software in files/folders where it may interfere with the start up, running and third party software procedures of your computer You shall not: 1. interfere with, modify or reverse engineer any software provided to you by us and/or any third party, except as permitted by law; or 2. copy or use any software, without our or the third party software providers written consent Any material downloaded or otherwise obtained through the use of our Website is done at your own discretion and risk You will be solely responsible for any damage to your computer system or for any loss of data that results from the download of any such material. 26. Links from our website Where our Website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of these sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them or their use of any information they may acquire about you (including personal data) A link from our Website does not constitute an endorsement by us of the use of that link, the company or organisation behind that link or the contents of the website reached using that link. 27. Uploading Content to our Website Some of the betting products and services made available on the Website provide functionality for you to utilise your own content in conjunction with our online products and services ("User Content"). You retain ownership of your User Content. You understand and agree that you are solely responsible for your User Content and we do not endorse any User Content and expressly disclaim any and all liability in connection with User Content Where you utilise User Content in conjunction with our online products and services you warrant and represent that the User Content: 1. is an original work created by you or you have the express consent of the owner of the User Content in such manner; 2. does not infringe any third party intellectual property rights or rights of privacy anywhere in the world;

12 3. does not contain any derogatory, offensive, indecent, inappropriate or defamatory material or statements; 4. does not contain any computer virus, trojan horse, or any other form of malicious computer code which would disable, disrupt, harm or impede our Website or any software, data or hardware owned or operated by us; and 5. complies with all applicable laws and regulations including, without limitation, data protection and privacy laws We reserve the right (but are not obliged) to decide whether User Content complies with the Terms of Use and may terminate, in our absolute discretion, your account and/or your ability to utilise User Content in conjunction with the Website at any time without prior notice Any User Content you upload to our Website will be considered non-confidential and non-proprietary, and we and our sub-licensees have the right to use, copy, distribute and disclose to third parties any such User Content for any purpose. By uploading User Content to our Website, you are automatically deemed to have granted us a licence to use and sub-licence that User Content as we see fit, including for commercial purposes. 28. IT Failures We cannot be held responsible for a bet not being placed or an offer not being matched for any reason or you being disconnected from the Website or the Text Betting Service, including but not limited to computer malfunctions and failure of telecommunications services or internet connections. The balance of your account will at all times be as is recorded on our server The balance on the server when logging on to our Website, after you have been disconnected, will reflect the balance after completion of the last bet prior to the disconnection We regret the imposition of the above, however it is necessary to avoid further complications. By placing any further bets or offers on our Website or via the Text Betting Service, you accept the results of any previous bet. As such (at our discretion) the results of the previous bet are no longer in dispute and no refund or other adjustments will be granted. If you feel the result of any of the games is unfair or incorrect, you should contact us immediately and report the incident. 29. Breach of the Terms of Use You agree fully to indemnify, defend and hold us, and our officers, directors, employees, agents, suppliers, harmless immediately on demand, from and against all claims, liabilities, damages, losses, costs and expenses including legal fees, arising out of any breach of the Terms of Use by you or any other liabilities arising out of your access and use of the Website, the Telephone Service or the Text Betting Service (or by anyone else using your username and password). 30. Limitation of Liability You agree that your use of the Website is at your sole risk Other than in relation to your use of the Exchange, our maximum liability to you arising out of the Terms of Use, whether for breach of contract, tort (including negligence), or otherwise will be limited to: 1. the amount of the bet relevant to the which the liability in question has arisen; and 2. where monies paid by you into your account have been misplaced by us, the return of the same amount into your account In relation to your use of the Exchange, our maximum liability to you arising out of the Terms of Use, whether for breach of contract, tort (including negligence), or otherwise will be limited to: 1. the amount of commission actually received from you in the previous six months; and 2. where monies paid by you into your account have been misplaced by us, the return of the same amount into your account We shall not be liable to you in contract, tort (including negligence), breach of statutory duty or otherwise arising for: 1. business interruption, loss of profits, revenue, business, data, opportunity, business information or goodwill; or 2. indirect or consequential loss, arising out of, or in relation to, these Terms of Use, even if such losses are foreseeable or if we have been notified by you of the possibility of such losses We will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the Website and you confirm that we shall not be liable to you or any third party for any modification to, suspension of or discontinuance of the Website.